# AlphaGeo for Insurance {% columns %} {% column valign="middle" %} Access Free Trial {% endcolumn %} {% column %}

{% endcolumn %} {% endcolumns %} > Amid the devastation of this year’s Pacific Palisades wildfires, a few homes remained almost unscathed, including a 4,200-square-foot home in Malibu now known as the “last house standing.” What set it apart was its climate-adapted construction: stucco and stone with a fireproof roof, anchored by pilings driven 50 feet into bedrock.

As climate volatility intensifies, insurers should view the “last house standing” as a beacon of hope — and a clear signal that **insurance products require not only enhanced risk modelling, but the integration of adaptation and resilience into underwriting.** ## **Integrate resilience into underwriting with AlphaGeo** Insurance companies already excel at modelling climate-driven hazards. The competitive edge now lies in adaptation and resilience. Innovative, climate-ready insurance products should incentivize customer adaptation and incorporate climate resilience data into underwriting to price premiums more accurately and profitably. **AlphaGeo’s data analytics empower insurers to sustain presence in high-risk areas where competitors may retreat.** ### Resilience-adjusted Risk AlphaGeo’s Climate Risk and Resilience Index combines climate model data with local adaptation measures to create resilience-adjusted risk scores.

Figure 1: AlphaGeo’s Climate Risk and Resilience Index includes both physical and resilience-adjusted risk data.

This dual scoring system distinguishes high-risk locations from those where robust adaptation mitigates climate risk impacts, enabling insurers to price more accurately, and stay competitive in high-risk zones. The maps of California (for wildfire risk) below illustrate how our Climate Risk and Resilience Index scores reveal “safer” locations within a high-risk state.

Figure 2: Resilience-adjusted Risk data enables discovery of “safer” locations even in high-risk states.

All scores are provided with their underlying risk (Figure 3) and resilience drivers (Figure 4, in section below on Global Adaptation Layer).

Figure 3: Underlying risk drivers for Drought risk. Each hazard has its own feature set.

> **Use Case:** Resilience-enhanced Underwriting > > * Refine underwriting with adaptation data for accurate pricing. > * Offer premium reductions for verified climate resilience measures. ### Global Adaptation Layer Powering our resilience-adjusted risk scores is our Global Adaptation Layer dataset, which quantifies 20+ hazard-specific adaptation measures worldwide. This data identifies adaptation gaps at a granular level, enabling insurers to play a proactive role in strengthening resilience in their coverage zones. An example is shown below for inland flooding adaptations.

Figure 4: AlphaGeo’s Global Adaptation Layer covers over 20 hazard-specific adaptation measures worldwide. The example here is for inland flooding adaptations.

> **Use Case: Adaptation-driven Pricing and Customer Engagement** > > * Advise policy holders on adaptation to enhance asset resilience > * Calibrate premiums based on the degree of adaptation to specific risk